This is a real issue. It’s a bit of a struggle with banks at present, since they have legacy systems (Tier 1 banking systems) that software vendors effectively prevent them from replacing. In addition, information-sharing is also a struggle because these ancient, poorly-designed systems just don’t integrate to anything else without a large effort. All this means that the customer suffers, ultimately. Fortunately, there’s next-generation banking services that are trying to start from fresh – and even alternatives to the entire current financial system (think blockchain, crypto, etc.). It can’t go on for that much longer, in my opinion – as customers/clients will vote with their cash.